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Annual Report 2018-19 3 Financial Highlights

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Annual Report 2018-19 3 Financial Highlights AWARDS AND RECOGNITIONS Awards and Recognitions Product Innovation Best New Bond of the Year’ Award 1st Indian Bank India International Finance to join The Asset Triple A Corporation’s Natural Capital Country Awards (IFC Washington’s) Coalition Global SME Finance 2018 Awards Global winner - SME Bank of the Year – Golden Peacock Payments India Award For ‘Technology Project Asian Banking & Sustainability’ – 2018 Awards-2018’, Finance Retail Banking Golden Peacock by The Banker Awards Award Only Indian bank to Winner for outstanding Best Bank in India for be selected in performance in Instant Small and DJSI Emerging Payment Products Medium-Sized Markets National Payments Enterprises (SMEs)’ 4th year in a row Excellence Awards (NPCI) Asiamoney Best Bank (2015-2018) 2017 Awards 2018 Selected in Best Implementation of Digital Payments’ FTSE4Good CSR Excellence Award Emerging Index award Apex India Awards BW Businessworld for the second Digital India Summit & consecutive year Awards 2018 ‘Best Bank in India’ for Payments, Blockchain Initiative, API Initiative, Financial Supply chain Management Deal, Winner ‘Safe Drinking Trade Finance Deal, Automation Application and Water’ category Trade Finance Social Footprints The Asian Banker Transaction Banking Awards 2018 Awards 2018 BANKING RE-IMAGINED In its 15 years tenure, YES BANK has evolved into a national champion in areas across innovation, governance, inclusion and financial excellence. As India’s first and only Greenfield Bank, YES BANK has now successfully emerged as one of the top brands of the country. A pivotal focus area of the Bank continues to be its A.R.T (Alliances & Relationships with underlying Technology) and Future Now philosophies, key to YES BANK’s ongoing growth. The Bank will continue to leverage its leadership in technology-driven innovation, knowledge banking, responsible banking ethos and skilled human capital to pave the way for a new era in the ‘Future of Banking’. Contents 02-15 184-303 CORPORATE OVERVIEW FINANCIAL STATEMENTS YES BANK at a glance 2 Standalone Financial Statements Banking Re-Imagined 3 Independent Auditor’s Report 185 Financial Highlights 4 Balance Sheet 194 Message from the Chairman 6 Profit and Loss Account 195 Managing Director & CEO’s Communique 8 Cash Flow Statement 196 Non-Executive Chairpersons 12 Schedules 198 Past Managing Director & CEO 12 Board of Directors 13 Consolidated Financial Statements Management Team 14 Independent Auditor’s Report 258 Balance Sheet 268 Profit and Loss Account 269 16-67 Cash Flow Statement 270 SUSTAINABILITY REVIEW Schedules 272 Form AOC - 1 & Disclosures under Basel III 303 Sustainability Disclosures 17 Annual Business Responsibility 58 Report (ABRR) 68-183 STATUTORY REPORTS Management Discussion and Analysis 69 Directors’ Report 99 Report on Corporate Governance 131 View our Annual Report online We provide our annual report online, which allows us to reduce the amount of paper we print and distribute. At YES BANK, our differentiation begins with a single word – YES. YES BANK, India’s fourth largest private sector YES BANK has a pan-India presence bank is a high quality, customer centric, service across all 29 states and 7 Union driven Bank catering to the Future Businesses Territories in India with a footprint of of India. Since inception in 2004, YES BANK has grown into a ‘Full Service Commercial Bank’ providing complete range of products, 1,120 1,450+ Branches ATMs services and digital offerings, catering to corporate, MSME & retail customers. YES BANK operates its Investment banking, Merchant banking & Brokerage businesses through YES SECURITIES and its Mutual Fund business including an IBU at GIFT City, and a through YES Asset Management (India) Limited, Representative Office in Abu Dhabi. both wholly-owned subsidiaries of the Bank. VISION YES BANK is committed to its vision of ‘Building India’s Finest Quality Large Bank of the World in India’ having evolved its organizational ethos into the ‘Professionals’ Bank of India’. 2 Banking Re-Imagined BANKING RE-IMAGINED Everything begins with an idea – Earl Nightingale. YES BANK’s started with a vision of building a world-class bank in India from ground zero, assembled brick-by-brick by a robust team of highly trained professionals, catering to the dreams of New India. Commencing in 2004, the journey has been truly technology and attractive demographic factors remarkable for India’s first and only Greenfield Bank, cuts across the value chain and impacts the way YES BANK. In its lifecycle, the Bank has grown banks conduct their businesses. Given the speed manifold from being the largest small private sector of technology driven disruptions in the Banking bank in 2010 to being the largest medium sized sector, the Bank had identified early on, the need private sector bank in 2015 to one of the fastest to transform and therefore re-imagine banking growing large banks in 2018 in a fairly short span altogether for this new, connected world by offering of eight years. a slew of new-age services to customers. YES BANK has taken extensive strides towards broadening Under the aegis of the Bank’s astute, tireless and horizons and inching closer towards using data dynamic leadership, the Bank has built a vibrant, engineering and data science by increasingly aspirational and highly successful brand. The Bank using tools like predictive analytics to offer focused has striven hard to be ahead of the curve, creating services to the customers. simple solutions and a robust ecosystem for clients to maximize their business potential and improve quality With technology touching every aspect in our of lives for the masses, especially around financial lives, the Bank remains steadfast in ensuring inclusion, civic betterment and technologically a re-imagined and reinvigorated empowering businesses. transformation journey. YES BANK, now in its teen years, believes Therefore, the Bank’s transition into the most that it has the spirit, character and vision to crucial period in its growth phase will now be evolve into a national champion that would powered by Future Ready initiatives that the Bank define industry standards across innovation, has been meticulously building for the last decade governance, inclusion and financial excellence. or so through the A.R.T (Alliances & Relationships with underlying Technology) and Future Now No other sector of the economy is as interdependent philosophies. as banking is and the Bank understands the need to, in the new world, restore, renew and rebuild As the Bank moves forward, Digital and technology relationships with the entire ecosystem. driven innovation, Knowledge Banking, Responsible Banking and a focus on Future Ready Human Capital In ways more than one, the future of banking has – values that have held the Bank in good stead over arrived and at present the industry is going through the years, will continue to be its growth engines and its ‘uber moment’. The influx of superior edge help steer the Bank in its large phase of growth. Annual Report 2018-19 3 Financial Highlights TOTAL ASSETS (` in Crore) ADVANCES (` in Crore) DEPOSITS (` in Crore) 2019 3,80,826 2019 2,41,500 2019 2,27,610 2018 3,12,446 2018 2,03,534 2018 2,00,738 2017 2,15,060 2017 1,32,263 2017 1,42,874 2016 1,65,263 2016 98,210 2016 1,11,720 2015 1,36,170 2015 75,550 2015 91,176 2014 1,09,016 2014 55,633 2014 74,192 5 year CAGR 28.4% 5 year CAGR 34.1% 5 year CAGR 25.1% Healthy momentum sustained in More than 40% contribution to Deposits growth faster Balance sheet growth incremental growth from Retail than the industry CASA RATIO (In %) SHAREHOLDERS FUNDS (` in Crore) CAPITAL ADEQUACY RATIO (In %) 2019 33.1% 2019 26,904 2019 16.5% 2018 36.5% 2018 25,758 2018 18.4% 2017 36.3% 2017 22,054 2017 17.0% 2016 28.1% 2016 13,787 2016 16.5% 2015 23.1% 2015 11,680 2015 15.6% 2014 22.0% 2014 7,122 2014 14.4% 5 year CAGR 35.7% 5 year CAGR 30.5% CASA CAGR of >35% - higher than Internal accruals - 5 year CAGR, Balance sheet and deposit growth higher than Balance sheet growth GROSS NPA (In %) NET NPA (In %) 2019 3.22% 2019 1.86% 2018 1.28% 2018 0.64% 2017 1.52% 2017 0.81% 2016 0.76% 2016 0.29% 2015 0.41% 2015 0.12% 2014 0.31% 2014 0.05% 4 Banking Re-Imagined Corporate Sustainability Statutory Financial Overview Review Reports Statements NET INTEREST INCOME (` in Crore) NON INTEREST INCOME (` in Crore) NET PROFIT (` in Crore) 2019 9,809 2019 4,590 2019 1,720 2018 7,737 2018 5,224 2018 4,225 2017 5,797 2017 4,157 2017 3,330 2016 4,567 2016 2,712 2016 2,539 2015 3,488 2015 2,046 2015 2,005 2014 2,716 2014 1,722 2014 1,618 5 year CAGR 29.3% 5 year CAGR 21.7% NII Growth on back of Healthy growth across transactional FY2018-19 Net Profit Impacted by growth in Advances Corporate, Trade, CMS and contingent provisioning Granular Retail Fees NET INTEREST MARGIN (In %) COST TO INCOME RATIO (In %) BASIC EARNINGS PER SHARE (`) 2019 3.2% 2019 43.5% 2019 7.4 2018 3.5% 2018 40.2% 2018 18.4 2017 3.4% 2017 41.4% 2017 15.8 2016 3.4% 2016 40.9% 2016 12.1 2015 3.2% 2015 41.3% 2015 9.9 2014 2.9% 2014 39.4% 2014 9.0 FY 2018-19 Core NIMs stable; headline Sustained investments in Branches, impacted by interest reversals from NPA People and Technology RETURN ON ANNUAL AVERAGE ASSETS (In %) RETURN ON EQUITY (In %) 2019 0.5% 2019 6.5% 2018 1.6% 2018 17.7% 2017 1.8% 2017 21.5% 2016 1.7% 2016 19.9% 2015 1.6% 2015 19.0% 2014 1.6% 2014 25.0% Adjusted RoA for FY 2018-19 at 0.9% Adjusted RoE for FY 2018-19 at 11.4% prior to taking into consideration prior to taking into consideration contingent provisioning contingent provisioning Annual Report 2018-19 5 Message from the Chairman DEAR SHAREHOLDERS, FY 2019-20 will be the year when India’s strong domestic fundamentals The global economic indicators remain largely favorable and will insulate it from a global environment while growth is moderating, this offers a great opportunity for fraught with uncertainty and volatility.
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